This report is for educational purposes only, and not to provide investment advice.  Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet.
See my website on stocks or see my blog at the following sites.  www.spbrunner.com/stocks.html www.spbrunner.blogspot.com/
Manulife Financial Corp   www.manulife.com   MFC-T   Fiscal Yr: Dec 31 MFC-NY                                      
Year 12/31/99 12/31/00 12/31/01 12/31/02 12/31/03 12/31/04 12/31/05 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/30/12       #Y                          
Accting Rules C GAAP IFRS IFRS                                  
Revenue* $14,063 $16,231 $14,152 $16,532 $16,506 $27,150 $32,047 $34,194 $35,533 $33,003 $40,107 $37,633 $44,151 $47,647   131.86% <-Total Growth 10 Revenue                        
Increase 32.53% 15.42% -12.81% 16.82% -0.16% 64.49% 18.04% 6.70% 3.92% -7.12% 21.53% -6.17% 17.32% 7.92%   8.77% <-IRR #YR-> 10 Revenue                        
Rev per Share $14.23 $16.84 $14.68 $17.85 $17.86 $16.80 $20.23 $22.10 $23.67 $20.50 $22.81 $21.17 $24.76 $26.72   3.27% <-IRR #YR-> 5 Revenue                        
P/S (Price/Sales) 0.65 1.39 1.42 0.95 1.17 1.65 1.69 1.78 1.71 1.01 0.85 0.81 0.68 0.63   2.31% <-IRR #YR-> 10 Rev per share                        
*Revenue in M CDN $            P/S 10 yr  1.29 5 yr  1.01       0.91% <-IRR #YR-> 5 Rev per share                        
                                                               
    -$16,231 $0 $0 $0 $0 $0 $0 $0 $0 $0 $37,633                                      
              -$32,047 $0 $0 $0 $0 $37,633                                      
    -$16.84 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $21.17                                      
              -$20.23 $0.00 $0.00 $0.00 $0.00 $21.17                                      
  Yr 2011 Yr 2012                                
EPS* $0.88 $1.11 $1.19 $1.44 $1.66 $1.81 $2.04 $2.51 $2.78 $0.32 $0.78 -$0.27 $1.58 $1.72 D -124.32% <-Total Growth 10 Earnings                        
Increase 23.10% 26.75% 7.21% 21.01% 14.93% 9.37% 12.43% 23.34% 10.76% -88.49% 143.75% -134.62% -685% 9%   #NUM! <-IRR #YR-> 10 Earnings                        
* ESP per share (Cdn GAAP)                             #NUM! <-IRR #YR-> 5 Earnings                        
    -$1.11 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$0.27                                      
              -$2.04 $0.00 $0.00 $0.00 $0.00 -$0.27                                      
                                                               
Pre-split '06 $0.40 $0.42 $0.50 $0.64 $0.81                                                    
Div* $0.20 $0.21 $0.25 $0.32 $0.41 $0.47 $0.58 $0.73 $0.88 $1.00 $0.78 $0.52 $0.52 $0.52   108.00% <-Total Growth 9 Dividends                        
Increase   5.00% 19.05% 28.00% 26.56% 16.05% 23.40% 25.00% 21.38% 13.64% -22.00% -33.33% 0.00% 0.00%   20.21% <-Median-> 10 Dividends                        
Yield on H/L 2.26% 1.32% 1.18% 1.72% 2.09% 1.86% 1.88% 1.96% 2.14% 3.39% 4.40% 3.20%       2.02% <-Median-> 10 Dividends                        
Yield on Low 2.36% 2.75% 1.37% 2.32% 2.39% 2.25% 2.16% 2.10% 2.32% 5.42% 8.48% 4.45%       2.32% <-Median-> 10 Dividends                        
Yield on Cl 2.17% 0.89% 1.20% 1.88% 1.94% 1.70% 1.70% 1.84% 2.17% 4.81% 4.04% 3.03% 3.07% 3.07%   1.91% <-Median-> 10 Dividends                        
Payout Ratio 22.8% 18.9% 21.0% 22.2% 24.5% 26.0% 28.5% 28.9% 31.7% 312.5% 100.0% -192.6% 32.9% 30.2%   27.23% <-Median-> 10 Dividends                        
Payout Ratio CF 6.8% 10.6% -8.8% 13.8% 14.1% 13.2% 11.2% 13.9% 17.7% 20.3% 11.4% 8.0%       13.52% <-Median-> 10 Dividends                        
Average 5 Yrs Div Yd 4.31% in 5 yrs 6.05% in 10 yrs Yield  4.45% 3.03% Payout 31.65% 13.94%       9.49% <-IRR #YR-> 10 Dividends                        
* Dividends per share  7.0% 5 7.0% 10       Last Div Chge ---> $0.26 $0.13 -50.0%     -2.16% <-IRR #YR-> 5 Dividends                        
                                                 
    -$0.21 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.52                                      
              -$0.58 $0.00 $0.00 $0.00 $0.00 $0.52                                      
                                                               
I am earning   Trading $23.45 2005 2.22% RRSP $35.99 2006 1.44% Pension $36.13 2006 1.44%           Dividends                        
Yield if held 5 yrs 5.31% 3.64% 3.42% 4.73% 5.15% 3.09% 1.69% 1.41% Ave H/L Yield on your  Dividends                    
Yield if held 10 yrs 8.81% 3.27% 2.45% Ave H/L original money Dividends                    
                                                           
Graham Price $11.94 $13.62 $15.12 $17.40 $18.87 $24.05 $25.94 $30.14 $31.38 $10.94 $16.54 $15.80 $21.36 $22.29   Cl Pr higher/lower by?   Graham Price                        
Prem/Disc High -22.7% 77.7% 59.6% 34.6% 15.8% 23.1% 33.9% 30.9% 40.8% 270.1% 58.9% 31.6%                                      
Prem/Disc Low -29.0% -44.0% 20.7% -20.6% -10.2% -13.3% 3.5% 14.4% 20.9% 68.6% -44.4% -26.1%       1.35% <-Average 10 Graham Price                        
Prem/Disc Cl -22.7% 72.4% 37.6% -2.2% 10.9% 15.2% 31.6% 30.6% 29.3% 90.2% 16.9% 8.5% -20.8% -24.1%   26.84% <-Average 10 Graham Price                        
                                                           
Pre-split '06 $21.10 $46.95 $41.60 $40.62 $41.85 $55.40 $68.27                                                
Price Cl $9.23 $23.48 $20.80 $17.02 $20.93 $27.70 $34.14 $39.35 $40.57 $20.80 $19.33 $17.15 $16.92 $16.92   -26.94% <-Total Growth 10 Stock Price                        
Increase   154.33% -11.40% -18.17% 22.94% 32.38% 23.23% 15.28% 3.10% -48.73% -7.07% -11.28% -1.34% 0.00%   -3.09% <-IRR #YR-> 10 Stock Price                        
P/E 10.54 21.15 17.48 11.82 12.64 15.30 16.77 15.68 14.59 65.00 24.78 -63.52 10.71 9.84   -12.86% <-IRR #YR-> 5 Stock Price                        
Trailing P/E 12.97 26.81 18.74 14.30 14.53 16.74 18.86 19.34 16.16 7.48 60.41 21.99 -62.67 10.71   -0.19% <-IRR #YR-> 10 Price & Div                        
Median 5 Yrs     3.00% 2.90% Div %  5, 10 yrs   Price Inc -7.07% P/E: Y-T 15.68 19.34       -9.86% <-IRR #YR-> 5 Price & Div                        
                                                               
    -$23.48 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $17.15                                      
              -$34.14 $0.00 $0.00 $0.00 $0.00 $17.15                                      
    -$23.48 $0.25 $0.32 $0.41 $0.47 $0.58 $0.73 $0.88 $1.00 $0.78 $17.67                                      
              -$34.14 $0.73 $0.88 $1.00 $0.78 $17.67                                      
                                                               
Price Median H/L $8.85 $15.91 $21.19 $18.62 $19.40 $25.23 $30.79 $36.96 $41.07 $29.46 $17.75 $16.24       2.03% <-Total Growth 10 Stock Price                        
Increase   79.80% 33.15% -12.13% 4.20% 30.04% 22.05% 20.04% 11.11% -28.26% -39.77% -8.51%       0.20% <-IRR #YR-> 10 Stock Price                        
P/E 10.11 14.34 17.80 12.93 11.72 13.94 15.13 14.73 14.77 92.06 22.75 -60.13       -12.02% <-IRR #YR-> 5 Stock Price                        
Trailing P/E 12.44 18.17 19.09 15.64 13.47 15.24 17.01 18.16 16.36 10.60 55.45 20.81       3.78% <-IRR #YR-> 10 Price & Div                        
Median 5 Yrs     3.26% 3.58% Div %  5, 10 yrs   Price Inc -8.51% P/E: Y-T 14.77 18.16       -8.76% <-IRR #YR-> 5 Price & Div                        
                                                               
    -$15.91 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $16.24                                      
              -$30.79 $0.00 $0.00 $0.00 $0.00 $16.24                                      
    -$15.91 $0.25 $0.32 $0.41 $0.47 $0.58 $0.73 $0.88 $1.00 $0.78 $16.76                                      
              -$30.79 $0.73 $0.88 $1.00 $0.78 $16.76                                      
                                                               
Hi Mths             Dec Dec Oct Apr Jul  Jan                                       
Pre-split '06 $18.45 $48.40 $48.25 $46.85 $43.70 $59.20 $69.47                                                
Price Hi $9.23 $24.20 $24.13 $23.43 $21.85 $29.60 $34.74 $39.46 $44.19 $40.48 $26.29 $20.79       -14.09% <-Total Growth 10 Stock Price                        
Increase   162.33% -0.31% -2.90% -6.72% 35.47% 17.35% 13.60% 11.99% -8.40% -35.05% -20.92%       -1.51% <-IRR #YR-> 10 Stock Price                        
P/E 10.53 21.80 20.27 16.27 13.20 16.35 17.07 15.72 15.90 126.50 33.71 -77.00       -9.76% <-IRR #YR-> 5 Stock Price                        
Trailing P/E 12.97 27.63 21.73 19.68 15.17 17.89 19.19 19.39 17.61 14.56 82.16 26.65                                      
Median 5 Yrs             Price Inc -8.40% P/E: Y-T 15.90 19.39                                      
                                                               
    -$24.20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $20.79                                      
              -$34.74 $0.00 $0.00 $0.00 $0.00 $20.79                                      
                                                               
Low Mths             Jan Jun Aug Nov Mar Aug                                      
Pre-split '06 $16.95 $15.25 $36.50 $27.62 $33.90 $41.71 $53.69                                                
Price Low $8.48 $7.63 $18.25 $13.81 $16.95 $20.86 $26.85 $34.46 $37.94 $18.44 $9.20 $11.68       53.18% <-Total Growth 10 Stock Price                        
Increase   -10.03% 139.34% -24.33% 22.74% 23.04% 28.72% 28.37% 10.10% -51.40% -50.11% 26.96%       4.36% <-IRR #YR-> 10 Stock Price                        
P/E 9.68 6.87 15.34 9.59 10.24 11.52 13.19 13.73 13.65 57.63 11.79 -43.26       -15.33% <-IRR #YR-> 5 Stock Price                        
Trailing P/E 11.91 8.71 16.44 11.61 11.77 12.60 14.83 16.93 15.12 6.63 28.75 14.97                                      
Median 5 Yrs             Price Inc 10.10% P/E: Y-T 13.65 15.12                                      
                                                               
    -$7.63 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.68                                      
              -$26.85 $0.00 $0.00 $0.00 $0.00 $11.68                                      
                                                               
Market Cap $9,119 $22,630 $20,051 $15,761 $19,335 $44,763 $54,070 $60,874 $60,896 $33,488 $33,982 $30,493 $30,168 $30,168                                  
                                                               
# of Sh in M 988 964 964 926 924 1,616 1,584 1,547 1,501 1,610 1,758 1,778 1,783 1,783     Share Capital   Shares                        
Increase   -2.43% 0.00% -3.94% -0.22% 74.89% -1.98% -2.34% -2.97% 7.26% 9.19% 1.14% 0.28% 0.00%   8.10% <-Average 10 Shares                        
CF fr Op $M $2,899 $1,911 -$2,732 $2,141 $2,655 $5,753 $8,199 $8,046 $7,471 $7,922 $12,022 $11,562     505.02% <-Total Growth 10 Cash Flow                        
OPS $2.93 $1.98 -$2.83 $2.31 $2.87 $3.56 $5.18 $5.20 $4.98 $4.92 $6.84 $6.50     228.03% <-Total Growth 10 Cash Flow                        
Increase   -32.44% -242.96% -181.58% 24.28% 23.90% 45.40% 0.48% -4.30% -1.14% 38.98% -4.91%       -0.33% <-Average 10 Cash Flow                        
Non-Cash CF $502.0 $460.0 -$966.0 -$71.0 -$191.0 $56.0 -$1,701.0 $19.0 -$976.0 $641.0 -$134.0 -$866.0     12.61% <-IRR #YR-> 10 Cash Flow                        
OPS non-cash $3.44 $2.46 -$3.84 $2.24 $2.67 $3.59 $4.10 $5.21 $4.33 $5.32 $6.76 $6.02     4.67% <-IRR #YR-> 5 Cash Flow                        
P/O on Cl 2.68 9.54 -5.42 7.61 7.85 7.71 8.32 7.55 9.38 3.91 2.86 2.85 9.36% <-IRR #YR-> 10 Cash Flow                        
*Operational Cash Flow per share P/CF 10 yr 7.58 5 yr  3.91 7.96% <-IRR #YR-> 5 Cash Flow                        
-$5.18 $0.00 $0.00 $0.00 $0.00 $6.50                            
-$2.46 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.02                            
-$4.10 $0.00 $0.00 $0.00 $0.00 $6.02                            
                                                               
OPM 20.61% 11.77% -19.30% 12.95% 16.09% 21.19% 25.58% 23.53% 21.03% 24.00% 29.97% 30.72%   should be zero, it is a check on calculations    
Increase -7.8% -47.3% -186.3% -42.1% -28.1% -5.2% 14.4% 5.2% -6.0% 7.4% 34.1% 37.4%       0.00 <-Median-> 10 OPM  
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 22.36% 5 Yrs 24.00%                          
                                                             
Curr.Assets               $10,901 $12,354 $17,269 $21,132 $14,083 $15,058     Liq ratio of 1.5 and up, best   Assets                        
Cur. Liab.               $10,705 $12,093 $14,088 $16,026 $7,936 $6,560     1.23 <-Median-> 5 Liabilities                        
Liquidity               1.02 1.02 1.23 1.32 1.77 2.30     1.23 <-Median-> 5 Ratio                        
From Google Finance and G&M site                                                          
                          Q1 2011                                    
Assets $105,763 $114,975 $137,819 $140,026 $148,980 $302,136 $222,171 $359,106 $352,002 $376,405 $396,881 $417,729 $423,379     A/L ratio of 1.5 and up, best   Assets                        
Liab. $97,802 $107,465 $128,462 $130,219 $138,675 $277,648 $198,197 $333,248 $327,521 $348,733 $367,772 $390,602 $398,267     1.08 <-Median-> 10 Liabilities                        
Asset/Liab. Ratio 1.08 1.07 1.07 1.08 1.07 1.09 1.12 1.08 1.07 1.08 1.08 1.07 1.06     1.08 <-Median-> 5 Ratio                        
Liab. For Pre $735 $756 $802 $794 $650 $606 $2,456 $2,572 $3,010 $3,674 $4,581 $4,412 $3,442     Included in above Liabilities                            
                                                               
Non Cont. Int. $750 $299 $1,064 $1,059 $1,047 $1,043 $187 $202 $146 $217 $202 $254 $416                                    
Equity  $7,211 $7,211 $8,293 $8,748 $9,258 $23,445 $23,787 $25,656 $24,335 $27,455 $28,907 $26,873 $24,696                                    
Preferred Shares $0 $0 $0 $0 $344 $344 $344 $638 $638 $638 $1,422 $1,422 $1,618                                    
Part. Policyh. $61 $54 $62 $92 $82 $150 $157 $142 $62 $62 $80 $159 $185                                    
Book Value $7,150 $7,157 $8,231 $8,656 $8,832 $22,951 $23,286 $24,876 $23,635 $26,755 $27,405 $25,292 $22,893 $22,893   253.39% <-Total Growth 10 Book Value                        
BV per share $7.24 $7.42 $8.54 $9.35 $9.56 $14.20 $14.70 $16.08 $15.75 $16.62 $15.59 $14.22 $12.84 $12.84   91.60% <-Total Growth 10 Book Value                        
Change 19.07% 2.59% 15.01% 9.48% 2.25% 48.58% 3.51% 9.38% -2.08% 5.54% -6.19% -8.75% -9.74% <-----   0.6202 Current/Historical; Lower, better; best .8 or lower                            
P/BV (CL) 1.28 3.16 2.44 1.82 2.19 1.95 2.32 2.45 2.58 1.25 1.24 1.21 1.32 6.72% <-IRR #YR-> 10 Book Value                        
Change   147.91% -22.96% -25.26% 20.23% -10.91% 19.05% 5.39% 5.29% -51.42% -0.93% -2.77% 9.30% -0.66% <-IRR #YR-> 5 Book Value                        
Leverage (A/BK) 14.79 16.06 16.74 16.18 16.87 13.16 9.54 14.44 14.89 14.07 14.48 16.52 18.49     14.69 <-Median-> 10 A/BV                        
Debt/Eq Ratio 13.68 15.02 15.61 15.04 15.70 12.10 8.51 13.40 13.86 13.03 13.42 15.44 17.40     13.64 <-Median-> 10 Debt/Eq Ratio                      
Median               P/BV 10 Yrs 1.94 5 Yrs 1.74                                      
                                             
-$7.42 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $14.22                                      
            -$14.70 $0.00 $0.00 $0.00 $0.00 $14.22                                      
                                                           
ROE               0.8% -15.4% 8.5% -7.2% -4.2%       -4.18% <-Median-> 5 Compreh. Inc                      
Comprehensive Inc               $206 -$3,645 $2,272 -$1,968 -$1,058             Compreh. Inc                      
                      Q1 2011                                    
ROE 12.2% 14.9% 14.2% 15.8% 17.4% 11.2% 14.1% 16.0% 17.9% 1.9% 5.2% -1.2% 16.9% <-----   Net Income/Shareholders' equity   ROE                        
5Yr Median 12.2% 12.2% 14.2% 14.2% 14.9% 14.9% 14.2% 15.8% 16.0% 14.1% 14.1% 5.2% 5.2%           ROE                        
                                                         
Net Income $874 $1,068 $1,167 $1,370 $1,536 $2,565 $3,291 $3,970 $4,229 $497 $1,420 -$312 $965     -129.21% <-Total Growth 10 Net Income                        
Oper C. F. $2,899 $1,911 -$2,732 $2,141 $2,655 $5,753 $8,199 $8,046 $7,471 $7,922 $12,022 $11,562         Cash Flow Statement                         
Invest. C. F -$1,921 -$282 $2,153 -$1,418 -$2,721 -$524 -$1,465 -$1,465 -$241 -$7,206 -$9,806 -$20,456         Cash Flow Statement                          
Total Accruals -$104 -$561 $1,746 $647 $1,602 -$2,664 -$3,443 -$2,611 -$3,001 -$219 -$796 $8,582                                      
Total Assets $105,763 $114,975 $137,819 $140,026 $148,980 $302,136 $222,171 $359,106 $352,002 $376,405 $396,881 $417,729         Balance Sheet                            
Accruals Ratio -0.10% -0.49% 1.27% 0.46% 1.08% -0.88% -1.55% -0.73% -0.85% -0.06% -0.20% 2.05%                                      
    neutral neutral neutral neutral neutral neutral neutral                                              
                                                               
Chgn in Close   154.33% -11.40% -18.17% 22.94% 32.38% 23.23% 15.28% 3.10% -48.73% -7.07% -11.28%                                      
                                                               
Fin. C. F               -$3,731 -$4,583 $2,070 $1,183 $2,242                                      
Total Accruals               $1,120 $1,582 -$2,289 -$1,979 $6,340                                      
Accruals Ratio               0.31% 0.45% -0.61% -0.50% 1.52%                                      
                                                               
                                                               
May 15, 2011.  Last I looked I got estimates for 2010 and 2011 of $-1.26 and $1.74 for earnings.  Company did better in earnings than expected, but 2011 estimates were still lowered.                                
I have redone the Asset/Liability section and cash flow sections.  I was trying to be consistent in what figures I used.  I notice that G&M was not consistent in some of their accounting, so I reviewed                             
all past financial statements to be consistent.  For the first quarter of 2011, only partial financials were issued.                                            
Apr 11, 2010.  When I last looked at this stock, I got 2009 and 2010 earnings of $1.01 and $2.16.                                              
Nov 22, 2009, when I reviewed this stock in Aug I got earnings for 2009 and 2010 of $1.25 and $2.50.  Both these earnings estimates have been down graded.  More stock has been issued lately                             
and this is probably the cause.                                                          
Aug 7, 2009.  When I last reviewed this stock in April 2009, I got earnings of $1.90 and $2.80 for 2009 and 2010.                                            
Aug 6, 2009.  This company has announced a 50% cut in dividends.  This will affect the last two dividends for this year. Stock price in April was $19.22.  It has gone down 14% today, but this puts it at                             
$22.60, and still higher than April 2009.  Many feel that the company has done the responsible thing to conserve cash.                                            
April 2009 AP 2008. When I last looked at this stock in May 2008, I got estimates for earnings of $3.08.  The Earnings came in at $.32.  If earnings were better, the growth would be ok, not great.                            
AP 2007.  I hav e done well, but not excellent on this stock at 11% IRR overall. I see no negatives.                                               
AR 2006.  TD still has a buy rating on this stock.  It has done well for me.  Revenue and EPS up nicely.  I see no problems.  It is a keeper.                                        
AR 2005. Bought in 2005, made 32% IRR.  Not bad!  TD still has a buy rating on it.                                                  
AR 2004.  I have bought this stock.  2005.  Looks like it might be good.  Anayst like it.                                                 
Demutualized Sep 23, 1999 (Changed close of 1999 and 2002 because of MFC's site's closing prices.)                                              
                                                               
How they make their money                                                          
This is a life insurance company in the financial services business.  It offers financial protection products (e.g. Life Insurance) and wealth management services (i.e. segregated funds, mutual funds                            
and pension products). They sell products to individuals and business.                                                    
They are an international company, selling in Canada, US and Asia.  This company is listed on Canadian, US, Hong Kong and Philippines Stock Exchanges.                                    
                                                               
For most ratios, lower is better when looking for a good stock price.  However, there are exceptions such as for yield and asset/liability ratios and here you want a higher ratios to indicate a good stock price.                              
Also, for the Operational Profit Margin, a higher percentage is better.  With the OPM, you should only compare companies in similar industries.                                      
                                                               
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  $0 $0 $0 $0 $0 $0 $0 $0 $0 -$1,795 $0 -$5,794                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 -$317 $0 -$99                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 -$529 $0 $11,473                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $13,079 $0 $251                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $160 $0 $207                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $16,157 $0 $19,254                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $638 $0 $1,422                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $62 $0 $159                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0                                      
  $0 $0 $0 $0 $0 $0 $0 $0 $0 $27,455 $0 $26,873